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Arch Capital Group ACGL

Arch Capital Group scores good on business quality (7.2 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$95.57Oct 9, 2026
Business qualityGood
Next earningsOct 27, 2026, after the close
Insiders, 90 daysSelling

Why it matters

  1. What Arch Capital Group does

    Arch Capital Group writes property, casualty, and mortgage insurance and reinsurance worldwide, collecting premiums from individuals and corporations to shoulder risk. The company is deploying capital aggressively, using its $6.1 billion in free cash flow to fund buybacks of $3.4 billion while expanding its underwriting portfolio.

  2. What it does best

    Arch excels at generating high returns on equity, posting an ROE of 19.5% that outpaces peer AXS at 17.3%. This efficiency stems from disciplined underwriting cycles and low debt-to-equity of 0.1x, insulating its underwriting margins from credit shocks.

  3. The main risk

    Catastrophic weather events and unexpected property claims remain the primary threat, capable of instantly reversing underwriting income if reinsurance pricing fails to cover severity.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityStrong

Operating margin hits 23.9% with a net margin of 25.2%. Profitability is stable, driven by disciplined risk selection and strong investment income that scales alongside float growth.

MoatFair

The company holds a strong underwriting moat, locking in enterprise clients through specialized risk expertise. Its sector percentile for operating margin sits at the 60th rank, reflecting solid pricing power.

GrowthFast

Revenue growth is running at 15.2%, outpacing the broader sector's top quartile at the 77th percentile. The insurance engine accelerates as rate improvements compound across lines.

Financial healthStrong

Debt-to-equity sits at 0.1x with interest coverage of 28.3x, making debt costs negligible. Free cash flow reached $6.1 billion, supporting ongoing buybacks. The balance sheet is getting stronger.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

1 sold $1.1M outside pre-planned sales.

Our sealed record on ACGL

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is ACGL a good business?

Arch Capital Group scores good on the Cluenex quality check (7.2 of 10), measured against its own industry. Profitability is strong, moat fair, growth fast and financial health strong.

Are insiders buying ACGL?

In the last 90 days of SEC Form 4 filings: 1 sold $1.1M outside pre-planned sales.

When does ACGL report earnings?

Oct 27, 2026, after the close.

For members

See ACGL today

  • Today's verdict on ACGL, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “Arch Capital Group (ACGL)”, https://cluenex.com/stocks/acgl/, data as of Oct 10, 2026.